@TheBusJourney #SMEJourney

The Business Journey30 August 2016

@TheBusJourney #SMEJourney

Sam Henderson

@TheBusJourney #SMEJourney

Chartered Financial Planning

Sam Henderson

Henderson Stone & Co Ltd

Lifestyle Financial Planning Pensions Freedoms Business Protection Workplace Pensions

AgendaTuesday 30 August 2016

Understand Clients’ Desired Lifestyle Establish Actions to Achieve/Maintain Sort out Products, where necessary

Lifestyle Financial Planning

Pension FreedomsMuch More Flexibility:

Taking Benefits

Passing to Successors

25% TFC

Pension

Marginal Rate

No IHT

Business Legacy Issues• Key Person – Profit Protection

• Business Loan Protection

• Share Owners Protection

1908 (first state pension)

5 shillings per week 49 53

1948 1/6d per week 66 71

2016 £148.40 per week 78 82

2015/2016Life

expectancy at 65 86 89

State PensionLife Expectancy

M F

* Information used is taken from the Pension Regulator

Why Are We Here?

Mid 2013 1000

PAYE schemes required to register (‘000)

Employers Staging Per Month

Early 20143000

Feb 2016 30,000

Dec 2017 134,000

* Information used is taken from the Pension Regulator

Who Uses Henderson Stone?

• Business ownersStruggling to deal with another layer of bureaucracy

• Accountants Wanting to insure the most appropriate investment strategy is used

• Payroll Companies Assist in the set up of the framework of the pension scheme

ITS ABOUT THE RIGHT PENSION FOR YOU AND YOUR

EMPLOYEES

Questions?

Sam Henderson(07710 520307)

Henderson Stone & Co Ltd